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I added 5 new cards in the last 2 months...but I still have a bunch of subrime cards should I axe them?
New Cards:
Amex Zync
Alliant CU
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Citi Diamond preferred
Citi Platimum Select.
Old Cards
Orchard since 08....$50 AF
Hooters since 08.....$72 AF
BoF since 08....$29AF
@Drefrombk wrote:I added 5 new cards in the last 2 months...but I still have a bunch of subrime cards should I axe them?
New Cards:
Amex Zync
Alliant CU
Discover More
Very nice job on these
Citi Diamond preferred
Citi Platimum Select.
See if you can have these two merged into one Dividend Plat Select M/C. No point in two non-rewards cards from the same lender.
Old Cards
Orchard since 08....$50 AF
Hooters since 08.....$72 AF
Dump these subprime cards
BoF since 08....$29AF
If you insist on keeping one for age, make it this one, though I think its safe to dump after about 6 months.
If it were me, I would get rid of the annual fees. Which AF card is your oldest? It wont matter now, but in 7 years when it drops off, your overall age of history would drop by that amount.
Wow nice app spree... Congrats.
SMC I think I will dump Hooters and Orchard..and do PC on BofA Platinum Plus to a rewards card. Thanks!!! Socal...I think I'm done apping for 2 more years! TIME TO GARDEN!
Wow, nice cards. What are your scores?
I would get rid of all of them right before their annual fee hits unless you can do a product change to a non-AF card. They should stay on your reports for 10 years so that'll still count toward your AAoA.
Thanks! My score are TU 679 EQ 691 and Ex no clue. Yea Orchard AF is due next month and Hooters chages $6 bucks a month for my AF. Orchard is gone think I might keep Hooters til end of the year
Very nice. Definitely dump Hooters and Orchard. I would follow up on SMC's advice to combine those two Citicards if you can, unless you are enjoying intro APR right now.
@trumpet-205 wrote:Very nice. Definitely dump Hooters and Orchard. I would follow up on SMC's advice to combine those two Citicards if you can, unless you are enjoying intro APR right now.
Yep, or at the very least, convert one of them to a rewards card.